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THE RIVER - JULY 24, 2015
22
Financial Focus
Keep Your
Investments
From Going On
‘Vacation’
by Jennifer Basey
It’s that time of
year when many
of us hit the
road for a sum-
mer vacation. If
you are fortunate,
you will be joining
them – after all, “all
work and no play”
is a difficult way to
live. But while you
may not think it beneficial to work all
the time, the same can’t be said of your
investments and your investment strat-
egy – because, ideally, they should never
stop laboring on your behalf.
How can you avoid “taking a vaca-
tion” as an investor? Here are a few
ideas:
• Don’t let your portfolio get “lazy.”
Laziness is fine for vacations, but it’s
not so great for an investment portfo-
lio. When you invest, it can be easy to
let things drift along and stay the same
as they’ve always been. But over time,
things can change: Your goals can
change somewhat, your family situa-
tion can certainly change and even your
investments themselves may change.
That’s why it’s important to review your
portfolio and your investment choices
regularly, possibly with the help of a
financial professional. You may not need
to make drastic changes, but even mod-
est-seeming adjustments may make a big
difference down the road.
• Don’t choose an investment mix that
just “sits around.” If you were to put all
your investment dollars in conservative
vehicles, such as certificates of deposit
(CDs), your principal would likely not
experience much volatility – which is
good. But your money almost certainly
would not have the growth potential to
help you reach your long-term goals,
which is not so good. That’s why you
will need to own some investments, such
as stocks and stock-based instruments,
that offer growth potential. It’s true these
investments will fluctuate in value, and
there’s no guarantee you won’t lose
money on them. You can help address
this risk by focusing on the long term and
by creating an investment mix that is suit-
able for your situation.
• Don’t become a “spend-happy”
investor. It can be pretty easy to spend
more on vacations than you had planned.
For some reason, perhaps the carefree
nature of a vacation, the act of spending
money seems less grounded in reality –
until you get home and see the bills. As
an investor, you can also get carried away
with your transactions – and it can cost
you. To be specific, if you are constantly
buying and selling investments, you’ll be
making it harder for yourself to follow a
unified, long-term investment strategy. As
mentioned before, you will need to make
changes as needed, over time, to your
portfolio, but making moves – such as
chasing after “hot” investments or giving
up on other investments after one bad
period – will likely not benefit you and
could prove detrimental to your progress.
As someone who spends most of your
life working, you may very much appreci-
ate your vacations. But as someone try-
ing to achieve important financial goals,
such as a comfortable retirement, you
shouldn’t take a “vacation” from investing
– and you shouldn’t let your investments
take one, either. As you know from your
career and your other activities, making
a consistent effort may pay off – and it’s
the same with investing.
Jennifer Basey is a financial advisor
in Fort Myers. She can be reached at
jennifer.basey@edwardjones.com.
AppleJuice
iOS Maintenance
by Carol Rooksby
Weidlich,
President, SWACKS
Apps, apps,
and more
apps –
You’ve got a lot
of apps on your
iPhone/iPad/
iPod, and can’t
remember where
to find one. Open
“Spotlight” search by swiping down on
the home screen. Enter a single sym-
bol in the search bar and Spotlight will
list every app installed on your device
and tell you where it’s located if you’ve
added it to a folder. If you know the
name of the app, type that in the search
bar. When the app icon appears, just
tap and the app will open.
Organize Your Apps – Love to try
new apps? Do you have an abundance of
apps cluttering your Apple device? Then
it’s time to de-clutter by deleting apps that
you’ve tested and don’t use. Keep apps
you use on a regular basis. Those apps
purchased through the App Store are tied
to your Apple ID and will be available in
iCloud, and can be re-downloaded when
you want to use them again.
Update Your Contacts – Maintaining
your Contacts is important. Duplicate
contacts, incorrect information and half-
completed entries take up space. A good
habit to get into is to review your list a
couple of times a year. Put a reminder
on your calendar and set an alert to
check your information. Delete entries
that you don’t need anymore; if you
use the “Check for Duplicates” under
your Contacts “Card” > “Check for
Duplicates” option, you will not be able
to see those duplicates before they are
merged. So take the time to look through
your index searching for duplicates.
Update entries that are no longer correct,
and anything else that looks out of place.
Once you’ve removed the unwanted
entries, spend a few minutes adding
photos to each card by importing from
pictures you have stored on your Mac
or other Apple device. You can even
download profile photos from Facebook
to your contacts by going to “Settings” >
“Facebook” > “Update All Contacts” and
making sure that the switch for Contacts
is in the “On” position. Choose
“Settings” > “Twitter” to pull in profile
images from there instead.
While you’re cleaning, don’t forget to
clean out old photos, videos and docu-
ments, which take up storage space on
your device.
Workshops are held the second
Tuesday of each month from 1 to
3 p.m ., and meetings on the fourth
Tuesday of each month from 7 to 9 p.m.
(with the exception of July and August)
at Zion Lutheran Church, 7401 Winkler
Road in Fort Myers.
For more information on the
South West Florida Apple Computer
Knowledge Society (SWACKS), visit
www.swacks.org.
Prep Your
Finances During
Hurricane Season
The 2015 hurricane season is now
under way, and while Floridians
have so far remained free from a
severe storm, natural disasters can strike
at anytime – some without warning.
Chief Financial Officer Jeff Atwater
encourages Floridians to remember
an often forgotten part of disaster
preparedness: financial planning. To
help Floridians plan successfully, the
Department of Financial Services has
prepared an Emergency Financial
Preparedness Toolkit to help Floridians
keep their personal financial information
organized for easy access during or after
an emergency.
“We’re already into hurricane season
but this being Disaster Education and
Awareness Month, it’s the perfect time to
take a few minutes to download our tool-
kit, fill it out, and store it in a safe place,”
said Atwater. “As Benjamin Franklin
famously said, ‘An ounce of prevention is
worth a pound of cure.’”
This easy-to-use toolkit contains simple
tips – like keeping a photo or video log of
your possessions on a thumb drive – but,
more importantly, it provides a space
to keep track of account information,
important phone numbers, and post-
emergency repairs and claims. Having all
of this information in one compact place
is imperative in an emergency, and this
toolkit makes it easy to do just that.
The Emergency Financial
Preparedness Toolkit is available online
at www.myfloridacfo.com/Division/
Consumer/Storm. This website also con-
tains a wealth of consumer-friendly disas-
ter preparedness information.
Doctor and Dietitian
The Athlete
And The Carb-
Loading Myth
by Ross Hauser, MD
and Marion Hauser, MS, RD
Pick up any sports journal, sports
medicine text or marathon train-
ing article and there it will be: “Eat
more carbs!” Athletes are told to eat,
drink and think carbs!
Carbohydrates are basically sugars.
You can equate this to eating candy if
you like. Therefore, the questions to ask
are, how will athletes – such as football
players – build muscles by drinking choco-
late shakes in the morning and eating
a couple peanut butter crunchy bars for
lunch? Will this help improve stamina?
Marathoners often go to restaurants
before a big race to carbo-load and eat
eight pieces of garlic bread, down three
bowls of pasta, and have some cannoli to
go. Boy, are they going to be ready for
the marathon race after that!
Carbohydrates increase insulin levels,
decrease anabolic hormone levels and put
the body into a fat-storing mode, not a
muscle-building one. Muscle is almost all
protein. Endurance athletes get most of
their energy from free fatty acids, which
ultimately come from eating fat. In order
to be in optimal health and improve
athletic prowess, athletes must eat sub-
stantially more of the essential fats and
proteins that the body needs.
This does not mean eating more
French fries, potato chips and dip.
Essential fatty acids are found in food
such as olive, flax and canola oils, fish,
nuts and seeds. Proteins are found in
foods such as meat, fish, poultry, eggs,
nuts and seeds.
What an athlete consumes during a
race is completely different than what an
athlete consumes during training. Yes,
they may need to supplement more dur-
ing the athletic event with rapidly metabo-
lized foods such as sports drinks and
other carbohydrate foods, but they should
not make a habit of consuming these
foods all day long.
This information is not intended
to treat, cure or diagnose your condi-
tion. Caring Medical and Rehabilitation
Services has two locations: one in Oak
Park, Illinois, and one in Fort Myers.
It was established in 1991 by Ross
Hauser, MD, and Marion Hauser, MS,
RD. They can be reached at info@car-
ingmedical.com.
Send your
editorial copy to:
press@islandsunnews.com